95,000 Points
Worth $950
After you spend $1,000 on purchases on your new card in your first 3 months of card membership.
- 3%Sonesta
- 2%Airline
- 2%Dining
Annual Fee
$75
Rec. Credit
Good
Terms apply.
See rates & fees.Bank of America
Royal ONE Plus™ Visa Signature®
This card is built for someone who wants a straightforward points card with a solid upfront bonus and no category tracking. It works more like a simple everyday spending card than a specialized rewards product, but its long-term value depends heavily on whether you care more about the welcome offer than ongoing earning power.
Welcome Offer
70,000 Points
Annual Fee
$99
Rec. Credit Score
Good
Good For
Welcome bonus seekers
All information about Royal ONE Plus™ Visa Signature® has been collected independently by MaxRewards. Royal ONE Plus™ Visa Signature® is no longer available through MaxRewards.
Is the Royal ONE Plus™ Visa Signature® worth it?
This card is great for...
Upfront bonus value
Simple everyday spending
Low-maintenance rewards
For the first year, the Royal ONE Plus™ Visa Signature® makes the most sense for readers who can earn the 70,000-point welcome offer without stretching their budget. At a point value of 1 cent each, that bonus is worth about $700, which easily clears the $99 annual fee on its own.
After that, the case gets much weaker. The card earns just 1 point per dollar on purchases and does not list any meaningful ongoing benefits to help justify the annual fee. If you want a card to keep for everyday spending, most readers will likely get better value from a no-annual-fee cash back card or a rewards card with stronger bonus categories. This one fits best as a bonus-driven pickup, not as a long-term wallet staple.
MaxRewards Verdict
This card is mainly for someone who values the welcome bonus and wants a simple earning structure. As an everyday card, the 1x earning rate and lack of listed perks make the $99 annual fee hard to justify.
Welcome Offer
70,000 Points after you spend $3,000 on purchases on your new card in your first 3 months of card membership.
≈ $420–$840
What 70,000 Points could be worth, based on how you redeem
- Premium Rewards Elite - airfare via Travel Center20% bonus on airfare via Travel Center$8401.2¢ per point
- Travel statement credit (Travel Rewards card)Erases travel and dining purchases$7001¢ per point
- Premium Rewards - all redemptions$7001¢ per point
- Cash back (Travel Rewards card)$4200.6¢ per point
Required Spend
$3,000
Time Frame
3 Months
Required Spend
$3,000
Time Frame
3 Months
What's your average monthly spend?
You should easily hit the bonus threshold with this spend!
Rewards
Rewards percent based on a valuation of 1¢ per BoA point
The rewards setup here is very simple: 1 point per dollar on purchases, with points valued at about 1 cent each. That makes this card easy to understand, but it also means the welcome bonus does much more of the heavy lifting than the ongoing earn rate.
CategoryEst. yearly spendRateRewards
Everywhere
Est. yearly spend
Rate1%
Rewards$0$0
Est. Annual Rewards
Recommended Minimum Credit
Min: Good
Poor
Fair
Good
Excellent
Good credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Rates & Fees
Annual Fee
$99
Foreign Transaction Fee
None
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Other cards from Bank of America
80,000 Points
Worth $800
After you spend $5,000 on purchases on your new card in your first 3 months of card membership.
- 3%Alaska Air
- 3%Hawaiian Air
- 2%EV Charging
Annual Fee
$95
Rec. Credit
Excellent
Terms apply.
See rates & fees.
75,000 Points
Worth $750
After you spend $5,000 on purchases on your new card in your first 3 months of card membership.
- 2%Dining
- 2%Travel
- 1.5%Everywhere
Annual Fee
$550
Rec. Credit
Good
Terms apply.
See rates & fees.